Call reports 2003
COMMUNITY SAVINGS BANK — 2003
What COMMUNITY SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 402,585,000 | 409,596,000 | 413,595,000 | 411,521,000 |
| Total loans | 252,131,000 | 245,165,000 | 240,943,000 | 236,458,000 |
| Allowance for loan losses | 500,000 | 500,000 | 500,000 | 500,000 |
| Securities available for sale | 39,812,000 | 54,590,000 | 67,768,000 | 59,408,000 |
| Securities held to maturity | 58,282,000 | 46,080,000 | 38,071,000 | 45,467,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,903,000 | 338,336,000 | 338,601,000 | 339,961,000 |
| Interest-bearing deposits | 327,631,000 | 331,737,000 | 333,308,000 | 334,823,000 |
| Noninterest-bearing deposits | 4,272,000 | 6,599,000 | 5,293,000 | 5,138,000 |
| Equity capital | 58,042,000 | 58,635,000 | 58,646,000 | 59,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,598,000 | 10,839,000 | 15,784,000 | 20,598,000 |
| Interest expense | 2,404,000 | 4,650,000 | 6,838,000 | 8,970,000 |
| Net interest income | 3,194,000 | 6,189,000 | 8,946,000 | 11,628,000 |
| Noninterest income | 50,000 | 131,000 | 188,000 | 273,000 |
| Noninterest expense | 2,462,000 | 4,518,000 | 6,561,000 | 8,642,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 865,000 | 1,885,000 | 2,656,000 | 3,412,000 |
| Income tax | 305,000 | 676,000 | 955,000 | 1,221,000 |
| Net income | 560,000 | 1,209,000 | 1,701,000 | 2,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,570,000 | 58,249,000 | 58,733,000 | 59,224,000 |
| Total capital | 58,070,000 | 58,749,000 | 59,233,000 | 59,724,000 |
| Risk-weighted assets | 164,182,000 | 160,010,000 | 159,230,000 | 158,620,000 |
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